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Personal Loan in Kolkata

Kolkata, the city known for its festive frenzy and the old-worldly British charm, is also one of the top metropolitan cities in India with a strong potential for commercial growth. Being the prime commercial centre of East India, it houses thousands of people looking for personal loans for marriage, education, travel, etc. 

 

And if you're one of them, then Tata Capital's multi-purpose personal loan in Kolkata is just what you need. Enjoy a quick application process and flexible repayment options without the need to pledge any collateral. You can avail of a loan amount of up to Rs. 35 lakhs with flexible repayment tenure of up to 6 years.

 

Our easy eligibility criteria and zero pre-payment charges ensure that everyone can avail of a personal loan easily. Whether you're salaried or a self-employed individual, our personal loans in Kolkata are tailor-made to meet your unique requirements.

 

Apply for a personal loan in Kolkata with Tata Capital, the perfect solution for all your personal loan requirements and enjoy benefits like minimal documentation, quick application and disbursal, flexible repayment, and much more.

Know more about our offering

Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

12 to 72 months

Interest rate starting at

10.99%

Advantages

Quick Disbursal

Get instant personal loan in Kolkata with Tata Capital’s quick turnaround time. Say goodbye to waiting for weeks for loan approval and get your personal loan sanctioned in just a few days. 

Easy Eligibility Criteria

We have easy eligibility criteria to ensure that everyone can avail a personal loan seamlessly. Check your eligibility using our quick and easy to use online eligibility calculator.

Multi-Purpose Personal Loan

Get personal loans sanctioned for a variety of occasions, no questions asked. We provide personal loans for all your needs be it education, travel, marriage, or an unplanned emergency. 

Collateral Free Loans

No collateral or assets are required to avail our instant personal loans, making it easier to apply and get the loan disbursed quickly. 

Quick Disbursal

Get instant personal loan in Kolkata with Tata Capital’s quick turnaround time. Say goodbye to waiting for weeks for loan approval and get your personal loan sanctioned in just a few days. 

Easy Eligibility Criteria

We have easy eligibility criteria to ensure that everyone can avail a personal loan seamlessly. Check your eligibility using our quick and easy to use online eligibility calculator.

Multi-Purpose Personal Loan

Get personal loans sanctioned for a variety of occasions, no questions asked. We provide personal loans for all your needs be it education, travel, marriage, or an unplanned emergency. 

Collateral Free Loans

No collateral or assets are required to avail our instant personal loans, making it easier to apply and get the loan disbursed quickly. 

What are the types of Personal Loan available in Kolkata?

Personal loans can be used for a variety of requirements which are enlisted below. Apart from this, they can be used for a wide number of general needs as per your discretion.

  • Personal Loan for Wedding

  • Personal Loan for Education

  • Personal Loan for Home Renovation

  • Personal Loan for Travel

What are the Interest Rates for Personal Loan in Kolkata?

The interest rate denotes the amount you need to repay as EMI. Enjoy our affordable personal loan interest rate in Kolkata, starting at just 10.99%, which is the lowest in the industry. Apart from salaried individuals, Tata Capital’s personal loans for self employed in Kolkata also offer the best interest rates.

What are the eligibility criteria for personal loan in Kolkata? 

The easy eligibility criteria for personal loans open up the avenue for people from all backgrounds to avail the benefits of online personal loan in Kolkata. The criteria are enlisted below.

  • Applicant must be aged between 22 to 58 years

  • The applicant must have at least one year of work experience

  • The applicant must have a minimum monthly income of Rs. 15,000

Visit our website to understand the above mentioned list of personal loan eligibility criteria in detail. 

What are the documents required for getting a personal loan in Kolkata?

 Minimal documentation is required to fast-track the process. The documents are:

  • Aadhar Card/ Voter Id Card

  • Identity Proof

  • Residence Proof

  • Bank statements for the last 6 months/ Salary slip for last 3 months

  • Proof of employment

To check out the list of our valid documents, visit our personal loan documents page. 

How to Calculate EMI for Personal Loan Online? 

 Calculate your EMIs in a quick and easy manner by making use of our personal loan EMI calculator. Enter your loan amount, tenure and rate of interest. Our calculator tool will instantly display the EMI payable and interest amounts.  

HOW TO APPLY FOR A PERSONAL LOAN IN KOLKATA

Other Ways to Apply for a Personal Loan in Kolkata

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch - Tata Capital Financial Services Limited, PS Srijan Park, 11th Floor, DN 52, Sector V, Salt Lake Kolkata 700091

FAQ

Getting a Personal Loan is simple and quick. To get your loan approved swiftly, you will be asked to provide the following details: Your personal details including your PAN number, CIBIL score & KYC documents Copies of your pay slips, address proof and bank statements Find out more about Personal Loan Eligibility and Documents for more details.

We provide Personal Loans from a minimum of ₹ 75,000 to a maximum of ₹ 35,00,000/- depending on your eligibility.

Your Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken. You can choose your EMI amount that is comfortable for you by using the Personal Loan EMI calculator.

Enter the following information to calculate your EMI:

  • Loan Amount (The loan amount you wish to get)
  • Personal Loan Interest Rate
  • Loan Tenure (Period ranges from 12 -84 months)
  • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
  • If the Personal Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4

Personal loans can be taken for a variety of different purposes, such as follows –

  • Travel – Strike off a dream location you have been craving to visit with an easy personal loan
  • Education – Give your child the quality education they deserve with a personal loan
  • Wedding – No other event in a person’s life is more special than a wedding. Throw a wedding of a lifetime by taking the aid of a personal loan
  • Medical – Need funds for a medical emergency? Opt for a personal loan to meet your urgent needs
  • Debt Consolidation – Need to meet other costlier loan repayments? A personal loan can help you out!

No, you do not need any collateral or security for availing a personal loan with Tata Capital.

Online personal loan applications can be approved within seconds to a few minutes of submission! Offline applications, on the other hand, may take a few business days from the date of submission for approval.

Much like any other form of credit, a personal loan also affects our credit score in the long-term and is a great opportunity to build good credit worthiness. Making consistent timely EMI payments and ultimately repaying off your personal loan within its fixed tenure will improve your future credit score

Yes, you can avail tax benefits on your personal loan depending upon the purpose for which the loan was taken. The Income Tax allows tax deductions for loans taken for education, purchase or renovation of property, and business expansion. For instance, as per Section 24 of the Income Tax Act, if you have taken a personal loan for home construction or renovation, the interest paid is eligible to be claimed as exemption from your taxable income. For self-owned houses, interest up to Rs. 2 lakhs is eligible for exemption whereas for rented houses, the entire interest can be claimed as tax exemption. In case of business expansion, the interest paid will be added to the cost of acquisition which will reduce capital gains, and thereby tax liability. Moreover, Section 80 E of the Income Tax Act speaks about the tax benefits up to Rs. 1,50,000 for those who have taken an education loan for higher studies.

One of the biggest personal loan benefits is that it can help you arrange funds for any purpose. If you need money for a medical emergency or a last-minute trip, a loan can help you. Or, if your savings are locked in investments but you need cash, take a personal loan. Apply online with zero paperwork and enjoy quick disbursal. 

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MINIMUM DOCUMENTATION

EASY APPLICATION PROCESS

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